article : Planning for a Successful Retirement
The right kind of retirement, successful retirement, happens when you look at the process like a journey - a trek up and down a mountain. Quite simply, if you were about to embark upon a mountain journey you would first, make your plan; second, you'd prepare; and third, you'd begin your ascent.
You have successfully hiked up the mountain, but what about your descent? Now, if you were really hiking up a mountain, and someone asked you how were going to get back down, you'd most likely say, "I'm taking the same trail down the mountain that I took to get up the mountain."
Retirement is different. The same methods you used during your accumulation (or hike up the mountain) is different from how you'll live during retirement (or descent from the mountain). Actually, most people heading into retirement don't even realize that they need to consider the other half of their journey - what their hard earned money during their accumulation years looks like now that they're living on it.